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Upcoming Change
On Tuesday, March 10th at 10pm, we will remove the Image and Pass Phrase feature from the Internet Banking Password Login screen. A new Extended Validation Certificate within Internet Banking will be implemented at this time.  This is a more secure site certificate that enables special features in client browsers to demonstrate increased trust in the site you are accessing. Customers will use the same login process when accessing Internet Banking.  After entering your Access ID, simply look to verify the website URL address bar is green and you will see a green padlock with UFS, LLC listed. From this point, enter your password to login as usual.  If there are any questions concerning this new security feature, contact our Operations Department at 573-729-3137.
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A Dent County Tradition Since 1883 Phone: 573-729-3137 Contact Us | Privacy Policy | Location/Hours
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About The Bank E-Banking Checking Savings Loans Business
"); var schedule = (part1 + "" + part2 + "" + part3 + part4 + ""); reportWin ="","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes"); reportWin.document.write(schedule); reportWin.document.close(); } } //GIVE ENTRY INSTRUCTIONS function help01(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The total amount you would be borrowing to purchase the home."); } function skipTo(form) { form.enterHelp.value = ""; form.numYears.focus(); } function help02(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The annual interest rate you expect to pay on this mortgage. You can enter the rate either as a percentage (8.25) or as a decimal (.0825), whichever you prefer."); } function help03(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The number of years you will be financing the home loan for."); } function help04(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The annual property tax payment you expect to pay. As a rule of thumb, you can expect to pay 1.1% (home price X .011) of the purchase price per year."); } function help05(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The annual homeowner's insurance payment you expect to pay. As a rule of thumb, you can expect to pay 1.5% (home price X .015) of the purchase price per year."); } function help06(form) { document.mortgagePayment.enterHelp.value = ("ENTER: The monthly Private Mortgage Insurance (PMI) you expect to pay. If your downpayment is less than 20% of the value of the home you are buying, you may be required to pay mortgage insurance of somewhere between 0.02% and 0.07% of your principal balance each month (e.g, principal balance X .00043)."); } //GIVE RESULT EXPLANATIONS function help07(form) { document.mortgagePayment.resultHelp.value = ("RESULT: This how much your monthly principal and interest payment will be."); } function help08(form) { document.mortgagePayment.resultHelp.value = ("RESULT: This is the total of your other monthly payments (taxes, insurance & PMI)."); } function help09(form) { document.mortgagePayment.resultHelp.value = ("RESULT: This the total of all monthly payments related to your mortgage."); }
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Loan Calculators
Mortgage Payment Calculator w/Amortization
This calculator will compute a mortgage's monthly payment amount based on the principal amount borrowed, the length of the loan and the annual interest rate. This calculator will also compute your total mortgage payment which will include your property tax, property insurance and PMI payments. Then, once you have computed the monthly payment, click on the "Create Amortization Schedule" button to create a report you can print out.
Mortgage loan amount: Explain / Instruct
Annual interest rate (APR):
Mortgage loan term (# years):
Annual real estate taxes:
Annual homeowners insurance:
Monthly PMI (Private Mortgage Insurance):
Monthly Principal and Interest Payment: Explain / Instruct
Monthly Taxes, Insurance and PMI payment:
Total monthly mortgage payment:
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How much will my loan payment be, and how much interest will I end up paying?
Simple Loan Calculator

Should I refinance my mortgage?
Mortgage Refinancing Calculator

Which mortgage term (length of loan) is best?
Mortgage Term Comparison Calculator

How much will my monthly mortgage payment be?
Mortgage Payment Calculator w/Amortization

Learn about deposit insurance and estimate the adequacy of your deposit insurance using EDIE, your Electronic Deposit Insurance Estimator:
Federal Deposit Insurance Estimator